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Umbrella, Boat & More
One serious accident or lawsuit can go well past your home and auto limits, and what's left can follow your savings and future income. We check all your policies together for gaps like extra drivers, rentals or boats, then add an umbrella layer above them. We also cover the golf carts, motorcycles and other toys your home and auto policies leave out. Call or text and we'll look at your whole picture with you.
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What It Covers
What Umbrella, Boat & More Coverage Includes
Exact coverage depends on the policy and the insurance company. We walk you through yours before you buy.
- Umbrella liability above your home and auto limits
- Boats and personal watercraft
- Golf carts
- Motorcycles, ATVs and RVs
Good to Know
Before You Buy
An umbrella sits on top of your other policies, so everything underneath has to be set up right. We check each piece with you before you buy.
- Limits. Umbrella policies are commonly sold in $1 million amounts. The right amount depends on your assets and income.
- Underlying limits. Most umbrella companies require set liability limits on your home and auto first. We line them up so there's no gap.
- Boats and carts. Homeowners policies often limit or exclude boats and golf carts, especially away from your property. A separate policy usually fills that gap.
- Broader coverage. An umbrella can also cover some claims your other policies don't, like certain libel or slander claims.
- Household drivers. Every driver and vehicle in your home usually needs to be listed. Teen drivers are a common reason families add an umbrella.
- Rental properties. Rental homes and business activity are often excluded unless they're listed. Tell us about every property you own.
Pair It With
Gaps to Check Before Your Umbrella
An umbrella only works when your other policies line up under it. We check all of these when we quote.
Your Home Limits Have to Meet the Umbrella's
Most umbrellas require set liability limits on your home policy. We check them first.
Your Auto Limits Do Too
Most umbrellas require higher auto liability limits. We line them up so there's no gap between policies.
Your Business Needs Its Own Umbrella
A personal umbrella usually excludes business activities. A commercial umbrella covers those.
Rental Homes Need to Be Listed
Homes you rent out need their own policy and usually need to be listed on your umbrella.
Liability Protection Isn't Income Protection
An umbrella protects your savings from a lawsuit. Term life protects your family if your income stops.
Flood Isn't Covered by Your Home Policy
Home and renters policies exclude flood, even outside high-risk zones, and most flood policies have a waiting period before they start.
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Let's Compare Your Options.
Final approval and pricing are set by the insurance company.